Medicare Solutions

Medicare can feel confusing at first, but it doesn’t have to be. Here’s a simple breakdown of how it works and what your options are when it’s time to enroll.


What is Medicare?

Medicare is a federal health insurance program for:

People 65 and older

Certain younger people with disabilities

People with End-Stage Renal Disease(ESRD)

It’s designed to help cover many of your health care costs as you age, but understanding the different parts of Medicare is the key to choosing the right coverage.

The Four Parts of Medicare

Part A – Hospital Insurance

Covers inpatient hospital stays, skilled nursing facilities, hospice, and some home health care.

Most people don’t pay a premium for Part A.

Part C – Medicare Advantage

An “all-in-one” alternative to Original Medicare (Parts A & B).

Offered by private insurance companies approved by Medicare.

Usually includes prescription drug coverage, dental, vision, and wellness benefits.

Part B – Medical Insurance

Covers doctor visits, outpatient care, preventive services, and durable medical equipment.

There is a monthly premium for Part B.

Part D – Prescription Drug Coverage

Helps cover the cost of prescription medications.

Plans are offered by private insurance companies.